Question 1

What is the asking price for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

3429 SPINNAKER BAY, Saratoga Springs is listed at $995,000 ($234/sqft). The original list price was $1,215,000, representing a reduction of $220,000. This listing is currently active and available for showings.

Question 2

How many bedrooms and bathrooms does 3429 SPINNAKER BAY, Saratoga Springs have?

Accepted Answer

This Residential features 6 bedrooms, 5 bathrooms, 4,260 square feet of living space. It is a 3-story home. The lot is 0.34 acres.

Question 3

When was 3429 SPINNAKER BAY, Saratoga Springs built?

Accepted Answer

This property was built in 2024, making it 2 years old. As a newer construction, it likely features modern building codes, energy-efficient systems, and contemporary finishes.

Question 4

What type of property is 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

3429 SPINNAKER BAY, Saratoga Springs is a Residential (Single Family Residence).

Question 5

Does 3429 SPINNAKER BAY, Saratoga Springs have a garage or parking?

Accepted Answer

Yes, this property includes a 3-car garage. Total parking capacity: 3 vehicles.

Question 6

Is there an HOA for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

No, this property is not part of a homeowners association, which means no monthly HOA fees. Homeowners maintain full control over their property without HOA restrictions or assessments.

Question 7

What are the property taxes for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Annual property taxes for this property are approximately $4,442 (about $370/month). This represents an effective tax rate of approximately 0.45% of the list price. Property taxes in Utah vary by county and are subject to change.

Question 8

What are the key features of 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Interior features include: Basement Apartment, Bath: Primary, Bath: Sep. Tub/Shower, Closet: Walk-In, Den/Office. Exterior features include: Basement Entrance, Lighting, Patio: Covered, Sliding Glass Doors, Walkout. The home has 1 fireplace.   View: Mountain(s).

Question 9

Is 3429 SPINNAKER BAY, Saratoga Springs a good deal?

Accepted Answer

Propaired's AI deal analysis classifies this property as a "Standard" with a deal score of 93/100. Key deal signals: 8.1% year-over-year market appreciation; 18% price reduction from original list; 122.0 days on market — potential negotiation opportunity. The price is 31% above similar homes in the area. This analysis considers price relative to comparables, days on market, price reductions, and market conditions.

Question 10

How does this price compare to similar homes in Saratoga Springs?

Accepted Answer

The median price for similar properties in the area is $759,999 (based on 9 homes). At $995,000, this listing is 31% above the median for comparable homes. It ranks #Premium among similar listings by value.

Question 11

Has the price been reduced on 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Yes, the price has been reduced by 18.1% from the original list price of $1,215,000 to the current price of $995,000 — a reduction of $220,000. Price reductions can indicate seller motivation or market adjustment.

Question 12

What would the monthly mortgage payment be for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

At the current 30-year mortgage rate of 6.43% with 20% down, the estimated monthly principal and interest payment is $4,995. Including estimated taxes, the total monthly cost is approximately $5,365. A 15-year mortgage at 5.79% would be $6,627/month but saves significantly on interest. These are estimates — contact a lender for a personalized quote.

Question 13

How long has 3429 SPINNAKER BAY, Saratoga Springs been on the market?

Accepted Answer

This property has been listed for 122 days. The average days on market in Saratoga Springs is 79 days, meaning this listing is taking longer than the local average. Extended time on market may present negotiation opportunities for buyers.

Question 14

Is 3429 SPINNAKER BAY, Saratoga Springs a good investment property?

Accepted Answer

Based on market rental data, this property has an estimated annual rent of $63,157 with a gross rental yield of 6.3%. Net rental yield (after estimated expenses): 4.1%.  Estimated debt service coverage ratio (DSCR): 0.93. Investor score: 54/100. These are estimates based on area comparables.

Question 15

What is the estimated rental income for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Based on area comparables, the estimated monthly rent for this property is $5,263 ($63,156/year). The gross rent multiplier is 15.8x (lower is generally better for investors). Actual rental income will depend on property condition, local demand, and management approach.

Question 16

What lifestyle features does 3429 SPINNAKER BAY, Saratoga Springs offer?

Accepted Answer

Propaired's AI has identified 4 lifestyle features for this property: ADU/Multigenerational, Scenic Views, Fixer-Upper, Investor Special. The primary lifestyle niche is "investor_special." These tags are derived from MLS data, property features, and location analysis.

Question 17

Is 3429 SPINNAKER BAY, Saratoga Springs a fixer-upper?

Accepted Answer

This property has been identified as a fixer-upper opportunity, meaning it may need renovation or updates but is priced accordingly.  Get a thorough home inspection and renovation estimates before making an offer. An FHA 203(k) or Fannie Mae HomeStyle renovation loan may be applicable.

Question 18

What recreation is near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

This property has a recreation score of 70/100. Nearby recreation includes: Flight Park trailhead (4.3 mi); Park park (0.3 mi); Talons Cove Golf Course (1.6 mi); Utah Lake State Park (7.5 mi). Skiing: Sundance Resort (16.3 mi). Utah offers world-class outdoor recreation year-round, from skiing to hiking to national parks.

Question 19

Are there hiking trails near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Yes, the nearest trailhead is Flight Park, just 4.3 miles from the property. Utah Lake State Park is 7.5 miles away. Utah has over 10,000 miles of hiking trails across its diverse terrain, from desert canyons to alpine meadows.

Question 20

What amenities and services are near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

This property has an amenity proximity score of 50/100. Nearby services include: Grocery: Liv International (6.1 mi); Hospital: Mountain Ridge Healthcare (6.0 mi); Pharmacy: Cecil's Pharmacy (6.4 mi); Dining: Del Mar (6.4 mi). Gas station: 6.2 miles. Gym: Momentum Indoor Climbing Lehi (6.3 mi).

Question 21

How far is the nearest hospital from 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest hospital is Mountain Ridge Healthcare, approximately 6.0 miles from the property. The nearest fire station is 6.4 miles away. Proximity to emergency services is an important safety factor for homebuyers.

Question 22

What schools serve 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Assigned schools: Elementary: Harbor Point Elementary; Middle: Lake Mountain; High: Westlake.   School district: Alpine.

Question 23

What high school is near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest high school is Westlake. View the full school profile on Propaired for test scores, enrollment, and student-to-teacher ratios.

Question 24

What elementary school is near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest elementary school is Harbor Point Elementary. Propaired provides full school ratings and comparison data for all schools in this area.

Question 25

What middle school is near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest middle school is Lake Mountain.

Question 26

What is the internet speed at 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

This property has a broadband score of 100/100 (Excellent). Best available speed: 8000 Mbps download / 8000 Mbps upload. Fiber internet is available at this address. Available providers: Avative Internet (8000 Mbps, Fiber); CenturyLink (1000 Mbps, Fiber); CenturyLink (0 Mbps, DSL). Total providers: 12.

Question 27

Is 3429 SPINNAKER BAY, Saratoga Springs in a flood zone?

Accepted Answer

This property is classified as low. FEMA flood zone: X (AREA OF MINIMAL FLOOD HAZARD). Flood insurance is not typically required but may be recommended.  Always verify current FEMA maps as they are periodically updated.

Question 28

How does this listing compare to the Saratoga Springs market?

Accepted Answer

3429 SPINNAKER BAY, Saratoga Springs is listed at $995,000, which is above the Saratoga Springs median of $500,000 by $495,000. There are currently 402 active listings in Saratoga Springs. Homes in Saratoga Springs sell in an average of 79 days. The average sale-to-list ratio is 100.0%.

Question 29

What is the Saratoga Springs real estate market like in 2026?

Accepted Answer

In 2026, the median home price in Saratoga Springs is $500,000. There are currently 402 active listings. Homes sell in an average of 79 days. The average sale-to-list ratio is 100.0%. This listing at $995,000 is above the Saratoga Springs 2026 median.

Question 30

Are there other homes for sale in Saratoga Springs?

Accepted Answer

Yes — there are currently 402 active listings in Saratoga Springs. Browse all Saratoga Springs homes for sale at propaired.ai/listings/ut/saratoga-springs. Prices range around a median of $500,000. Homes in Saratoga Springs are selling in about 79 days on average.

Question 31

How does this price compare to the Utah state average?

Accepted Answer

At $995,000, this property is above the Utah state median of $525,000 by $470,000. Saratoga Springs prices are 5% below the state average. Utah's housing market varies significantly by region — front-range cities near SLC are typically more expensive than rural areas.

Question 32

What is the Propaired intelligence score for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

This property has a Propaired intelligence score of 71/100, combining deal value (93), recreation access (70), amenity proximity (50), broadband quality (100), and lifestyle features (4 tags). This composite score helps buyers quickly identify properties that match their priorities.

Question 33

What heating and cooling systems does 3429 SPINNAKER BAY, Saratoga Springs have?

Accepted Answer

Heating: Gas: Central. Cooling: Central Air. Modern HVAC systems typically last 15-20 years with proper maintenance. Utah's climate ranges from sub-zero winters to 100°F+ summers, making reliable heating and cooling essential.

Question 34

What type of roof does 3429 SPINNAKER BAY, Saratoga Springs have?

Accepted Answer

The roof material is Asphalt. Asphalt shingles typically last 20-30 years in Utah's climate. With a 2-year-old home, reviewing recent roof inspections is recommended.

Question 35

Does 3429 SPINNAKER BAY, Saratoga Springs have a basement?

Accepted Answer

Yes, the basement is described as: Walk-Out Access. Basements in Utah are common and add versatile living or storage space. Check for any signs of moisture or foundation issues during the home inspection.

Question 36

What is 3429 SPINNAKER BAY, Saratoga Springs constructed from?

Accepted Answer

Construction materials include: Stone. Stone construction provides exceptional durability and a premium aesthetic.

Question 37

What type of flooring does 3429 SPINNAKER BAY, Saratoga Springs have?

Accepted Answer

Flooring types include: Carpet,Tile.  Tile flooring is durable and ideal for high-traffic areas and bathrooms. Carpeted areas provide warmth and comfort, especially in bedrooms.

Question 38

What are the water and sewer connections for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Water source: Culinary. Sewer: Sewer: Connected,Sewer: Public.  Municipal sewer service means no septic maintenance costs. Water is a critical consideration in Utah's arid climate.

Question 39

What shopping and dining is near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest restaurant is Del Mar (6.4 miles away) and the nearest grocery store is Liv International (6.1 miles). Coffee: Cafe KaiKoi (6.3 mi). Banking: Goldenwest Credit Union (6.2 mi). Overall amenity proximity score: 50/100.

Question 40

What would homeowner's insurance cost for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Homeowner's insurance in Utah typically ranges from 0.3% to 0.5% of the home's value annually. For a home listed at $995,000, expect approximately $2,985-$4,975/year ($249-$415/month).   Get multiple quotes — rates vary significantly by insurer.

Question 41

What are the estimated closing costs for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Closing costs in Utah typically range from 2-5% of the purchase price. For a home at $995,000, expect approximately $19,900-$49,750 in closing costs. This includes title insurance, escrow fees, lender fees, recording fees, and prepaid items (insurance, taxes). Buyers should also budget for a home inspection ($300-$500), appraisal ($400-$600), and any lender-required reserves.

Question 42

How does the property tax compare to the list price at 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The annual property tax of $4,442 represents an effective rate of 0.45% relative to the list price of $995,000. This is below the Utah average effective rate of approximately 0.58%, which is favorable for the buyer. Property taxes in Utah are assessed by the county and can change when the property is sold.

Question 43

What are the total estimated monthly costs for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Estimated total monthly housing cost: $5,697. This includes principal & interest ($4,995 at 6.43% with 20% down), property tax ($370/mo), and estimated insurance (~$332/mo). Actual costs will vary based on your down payment, credit score, and insurance quotes.

Question 44

Is 3429 SPINNAKER BAY, Saratoga Springs eligible for FHA or VA financing?

Accepted Answer

At $995,000, this property may exceed standard FHA loan limits and could require a conventional or jumbo loan. VA loans have no price cap but require VA eligibility.  FHA 203(k) renovation loans may be an option for this property.  Consult a mortgage lender for personalized eligibility.

Question 45

What is the estimated cap rate for 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The estimated cap rate (net rental yield) for this property is 4.1%, based on estimated annual rent of $63,157 and a purchase price of $995,000. A cap rate of 4-6% is typical for residential properties in growing Utah markets.

Question 46

Is Saratoga Springs a good rental market?

Accepted Answer

Estimated monthly rent in Saratoga Springs is approximately $4,260. Homes in Saratoga Springs sell in an average of 79 days, indicating moderate demand in this market. There are 402 active listings currently. Gross rental yield in this area: 6.3%. Utah's steady population growth continues to drive rental demand.

Question 47

Could 3429 SPINNAKER BAY, Saratoga Springs be a 1031 exchange property?

Accepted Answer

Yes, 3429 SPINNAKER BAY, Saratoga Springs could potentially qualify for a 1031 like-kind exchange if used as an investment or business property. A 1031 exchange allows deferral of capital gains taxes by reinvesting proceeds from one investment property into another. Key requirements include identifying a replacement property within 45 days and closing within 180 days. The property must be held for investment purposes — personal residences do not qualify. Consult a qualified intermediary and tax advisor for specific guidance.

Question 48

How does 3429 SPINNAKER BAY, Saratoga Springs compare to recently sold homes nearby?

Accepted Answer

Based on 9 comparable properties, the median sold price in this area is $759,999. This listing is 31% above the comparable median. It ranks Premium among similar listings by value. The median for this property type specifically is $692,945. Comparable analysis is based on similar size, age, and location.

Question 49

Is the Saratoga Springs neighborhood appreciating in value?

Accepted Answer

Based on Zillow Home Value Index data, property values in this area have appreciated 8.1% over the past year. The current Zillow Home Value Index for this area is $488,228. This listing is priced at 204% of the ZHVI estimate. Past appreciation is not a guarantee of future performance.

Question 50

What is the price trend in Saratoga Springs?

Accepted Answer

Saratoga Springs's median price has increased 1.2% month-over-month. Current median: $500,000. Days on market have decreased by 1.6% month-over-month. Homes are selling at 100.0% of list price on average. Monitor these trends to time your offer strategically.

Question 51

Is 3429 SPINNAKER BAY, Saratoga Springs overpriced or underpriced?

Accepted Answer

Propaired's AI classifies this property as "Standard." At 31% above comparable homes, the asking price is above the local median. Verify that premium features justify the price difference. Deal score: 93/100. Always confirm with a local real estate professional who can provide a comparative market analysis.

Question 52

What school district is 3429 SPINNAKER BAY, Saratoga Springs in?

Accepted Answer

This property is in the Alpine school district. Assigned elementary: Harbor Point Elementary. Assigned middle: Lake Mountain. Assigned high: Westlake. School district boundaries can affect property values by 5-15%. Contact the district directly to confirm current enrollment boundaries, as they may change.

Question 53

What parks are near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest local park is Park (0.3 miles away). The nearest state park is Utah Lake State Park (7.5 miles).  Parks and green spaces contribute to quality of life and are a positive factor for property values.

Question 54

Is there a golf course near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest golf course is Talons Cove Golf Course, 1.6 miles from the property. Utah has over 80 golf courses statewide with a season running from March through November in most areas. Close proximity to a golf course is a desirable feature that can enhance property value.

Question 55

What water activities are near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Water recreation near this property includes: Utah Lake (7.7 mi); boat ramp at Saratoga City unamed (0.3 mi); fishing at Provo River (15.8 mi).  Utah offers diverse water recreation from mountain reservoirs to desert lakes. Popular activities include boating, kayaking, paddle boarding, and fishing — a Utah fishing license is required for anglers.

Question 56

Is 3429 SPINNAKER BAY, Saratoga Springs move-in ready?

Accepted Answer

This property has been identified as a fixer-upper and likely requires renovation before occupying.

Question 57

Does 3429 SPINNAKER BAY, Saratoga Springs come with a home warranty?

Accepted Answer

No home warranty is currently included with this property. Buyers can request a home warranty as part of the purchase negotiation — they typically cost $400-$700/year and cover major systems and appliances. This is especially valuable for older homes.

Question 58

What is the lot like at 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The lot is 0.34 acres. Lot features: Road: Paved,View: Mountain,View: Water. Terrain: Road: Paved, View: Mountain, View: Water. Views: Mountain(s).  Lot characteristics affect usability, privacy, and future improvement potential.

Question 59

What utilities are available at 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

Available utilities include: Natural Gas Connected,Electricity Connected,Sewer Connected,Sewer: Public,Water Connected. Water source: Culinary. Sewer: Sewer: Connected,Sewer: Public. Utility costs in Utah vary by season — expect higher heating bills in winter and cooling costs in summer. Contact local utility providers for average monthly cost estimates for this address.

Question 60

Does 3429 SPINNAKER BAY, Saratoga Springs have natural gas?

Accepted Answer

Yes, this property has natural gas service — the heating system is listed as: Gas: Central. Natural gas is the most common and cost-effective heating fuel in Utah, typically 30-50% less expensive than electric heating. The cooling system (Central Air) operates separately. Natural gas availability also supports gas ranges, water heaters, and fireplaces.

Question 61

Is there EV charging near 3429 SPINNAKER BAY, Saratoga Springs?

Accepted Answer

The nearest EV charging station is ChargePoint Charging Station, approximately 5.7 miles from the property. With a 3-car garage, installing a home Level 2 EV charger is straightforward — most installations cost $500-$2,000 including the charger. Utah offers a growing EV charging network along major corridors and in urban centers. Convenient public charging is available nearby for supplemental needs.

3429 SPINNAKER BAY, Saratoga Springs, UT 84045

3429 S SPINNAKER BAY DR, Saratoga Springs, UT 84045

About This Property

Features & Amenities

Property Info

Financial

Structure & Systems

Parking

Property Intelligence

Lifestyle

Flood Zone

Deal Analysis

Investment Potential

Long-Term Rental

Short-Term Rental

Recreation & Amenities

Recreation NearbyScore: 70/100

Amenities NearbyScore: 50/100

Internet & Connectivity

All Property Details

Property Info

Bedrooms & Baths

Financial

Structure

Lot & Land

Parking

Amenities

Utilities

Schools

Timeline

Media

Saratoga Springs Market Context

Crime & Safety

Saratoga Springs compared to:

vs National Average (FBI UCR 2024)

Connect with a Buyer’s Agent

Similar Homes

$995,000

$900,000

$1,289,990

$1,200,000

$770,000

Find Your Dream Home

Frequently Asked Questions

Discover

Recreation Nearby
Score: 70/100

Amenities Nearby
Score: 50/100